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Industries > Lenders
Credit Clarity at the Moment of Decision.
Spinwheel brings verified identities, real-time liabilities, and instant payments together so lenders can assess risk, match consumers, and act immediately — without friction in the flow.
Build amazing consumer lending experiences, powered by Spinwheel.
Industries > Lenders
Credit Clarity at the Moment of Decision.
Spinwheel brings verified identities, real-time liabilities, and instant payments together so lenders can assess risk, match consumers, and act immediately — without friction in the flow.
Build amazing consumer lending experiences, powered by Spinwheel.
Problem
A Financial Story Is Best Told in Real Time.
Static credit reports miss live liabilities — forcing lenders to choose between speed and accuracy when making decisions.
Problem
A Financial Story Is Best Told in Real Time.
Static credit reports miss live liabilities — forcing lenders to choose between speed and accuracy when making decisions.
Problem
A Financial Story Is Best Told in Real Time.
Static credit reports miss live liabilities — forcing lenders to choose between speed and accuracy when making decisions.
Solution
Replace Static Reports with Real-time
Liabilities Insight.
Replace Static Reports with Real-time
Liabilities Insight.
Get a current, verified view of a consumer’s financial picture — so decisions are faster, clearer, and more reliable.
Solution
Replace Static Reports with Real-time
Liabilities Insight.
Get a current, verified view of a consumer’s financial picture — so decisions are faster, clearer, and more reliable.
Make Lending Decisions Faster, Clearer, and More Reliable.
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Instant identity and account verifications — no passwords required
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Embedded payoff flows that improve debt-to-income ratios instantly
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Real-time liability and debt profiles for underwriting
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Secure, compliant APIs built for scale
Make Lending Decisions Faster, Clearer, and More Reliable.
Instant identity and account verifications — no passwords required
Embedded payoff flows that improve debt-to-income ratios instantly
Real-time liability and debt profiles for underwriting
Secure, compliant APIs built for scale
Make Lending Decisions Faster, Clearer, and More Reliable.
Instant identity and account verifications — no passwords required
Real-time liability and debt profiles for underwriting
Embedded payoff flows that improve debt-to-income ratios instantly
Secure, compliant APIs built for scale
Improve Trajectory with Spinwheel.
✔️
Cut onboarding friction by 50% with faster approvals and higher conversion
✔️
Reduced loan payoff time from 5 to 7 days to just 1 day
✔️
Drove 95% reduction in lost creditor checks
Use Cases
Better Decisioning. Higher Conversions. Better Outcomes.
Pre-qualify borrowers with minimal upfront data
Pre-qualify borrowers with minimal upfront data
![](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 32 40" xmlns="http://www.w3.org/2000/svg"><path d="M 0 16 C 0 7.163 7.163 0 16 0 C 24.837 0 32 7.163 32 16 C 32 24.837 24.837 32 16 32 C 7.163 32 0 24.837 0 16 Z" fill="rgb(247, 245, 242)" height="32px" id="Iot0ZiEtW" transform="translate(0 4)" width="32px"/><path d="M 8.058 0 L 14.194 6.135 M 14.194 6.135 L 8.058 12.272 M 14.194 6.136 L 0 6.136" fill="transparent" height="12.272px" id="ZRFhiyajK" stroke-dasharray="" stroke-linecap="round" stroke-linejoin="round" stroke-width="1.1" stroke="rgb(0, 4, 26)" transform="translate(9.379 13.931)" width="14.19420689655171px"/></svg>)
Higher conversion rates with reduced friction in the loan process
Higher conversion rates with reduced friction in the loan process
Match consumers to the right loan products based on real liability data
Match consumers to the right loan products based on real liability data
Decreased credit and operational risk
Decreased credit and operational risk
Improve debt-to-income ratios at origination through instant payoff
Improve debt-to-income ratios at origination through instant payoff
Faster funding and payoff without delays
Faster funding and payoff without delays
Increase funded loans without increasing risk
Increase funded loans without increasing risk
Higher approval rates and more loans that perform over time
Higher approval rates and more loans that perform over time
Results that Show Up Where It Counts.
See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.
Results that Show Up Where It Counts.
See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.
Results that Show Up Where It Counts.
See how Spinwheel enables a complete path from verification to resolution to power live pre-qualification data and instant loan action, directly inside your application flow.
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